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Wage Garnishment Lawyer in Oklahoma City

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Are you concerned that your paycheck will be garnished by creditors? Already dealing with wage garnishment? Whether you need to put a stop to or prevent this collection action, be sure to retain counsel from a skilled wage garnishment attorney in Oklahoma City today. Alexander Hilton & Associates brings more than 20 years of insight and experience to each and every case we take on. We know how to effectively respond to wage garnishments and help consumers avoid such damaging action from creditors.

Stop wage garnishments in their tracks by calling on our firm!

When you need to protect your wages, do not hesitate to get a trusted legal advocate on your side. Now is not the time to act alone, especially with your paycheck on the line. Our bankruptcy law firm is not afraid to take on tough creditors and debt collectors and always goes above and beyond to defend our clients. Allow us to review your case today and provide the direction you need.

What is wage garnishment?

Wage garnishment is when an employer diverts a portion of your paycheck to a creditor or person whom you owe money to by the use of a court order. Consumer debts, student loans and various issues with medical bills are common sources of wage garnishment. Your paycheck will continually have some money taken out until the debt is fully paid off or settled. You do, however, have legal rights on your side limiting how much can be taken from your paycheck at once.

How can I stop garnishment of my paycheck?

If you fail to keep up with payments, creditors can garnish up to 25% of your wages every pay period to repay the debts you owe. This can not only disrupt your other debt payments but strip you of the necessary financial support you and your family need.

There are several main ways to put an end to wage garnishments:

The most effective and immediate option is filing for bankruptcy. However, this option is not right for every individual, which is why it is crucial to discuss your case with a knowledgeable legal professional prior to taking any action.

When you do file for bankruptcy, an automatic stay is put into place. This immediately requires creditors and debt collectors to stop all action against a consumer, including wage garnishments. If you file for Chapter 13, you will need to create a repayment plan that will satisfy creditors. While Chapter 7 bankruptcy does not involve a repayment plan, you will be required to liquidate any non-exempt assets to pay off remaining debts to your creditors.

Do garnishments affect your credit score?

Wage garnishments are a bit tricky to navigate, but they will not impact your credit score. Though garnishment proceedings are public records, they are not picked up by credit bureaus and placed on credit files; therefore, not affecting your credit score directly. Ways that this can affect you indirectly would be when asking lenders if you qualify for a loan, they will look at liabilities and obligations and see that you are going through ongoing or previous garnishment processes and may turn down your request.

Call Now to Talk with an Oklahoma City Bankruptcy Lawyer

Wage garnishments can be scary and overwhelming. How can you pay the debts and expenses you already owe when you aren’t even getting the full paycheck you need? The good news is that you do not have to navigate this time on your own. At Alexander Hilton & Associates, we are more than prepared to help you fight back against collection actions and protect your hard-earned wages. We look forward to providing the seasoned legal guidance you need during this time!

Schedule a free consultation with our Oklahoma wage garnishment attorney today.

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"To be a good attorney, you have to focus on one thing. We know the law and we use the law to advocate for our client's best interests." - Alexander Hilton
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